Side-by-side · Q2 2026 data
Upstate Federal Credit Union vs Georgetown Kraft Credit Union
Credit union
Upstate Federal Credit Union
Anderson, South Carolina · $100 million – $1 billion
Credit union
Georgetown Kraft Credit Union
Georgetown, South Carolina · $100 million – $1 billion
Metric by metric
| Measure | Upstate Federal Credit Union | Georgetown Kraft Credit Union |
|---|---|---|
| TellerScore | 64 | 87 (stronger) |
| Capital cushion | 48 | 100 (stronger) |
| Loan quality | 91 (stronger) | 68 |
| Earnings | 23 | 84 (stronger) |
| Funding & liquidity | 87 | 90 (stronger) |
| Problem-loan coverage | 95 (stronger) | 94 |
| Peer percentile | 31st | 91st |
| Total assets | $148.5M | $191.9M |
| Deposits / shares | $133.8M | $155.4M |
| Capital ratio | 9.77% | 18.67% (stronger) |
| Problem loans | 0.26% (stronger) | 0.95% |
| Net charge-offs | 0.27% (stronger) | 0.87% |
| Return on assets | 0.08% | 1.59% (stronger) |
| Loans ÷ deposits | 73.3% | 70.5% (stronger) |
| Uninsured deposits | 1.9% (stronger) | 3.0% |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Georgetown Kraft Credit Union has the higher TellerScore (87 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Upstate Federal Credit Union leads on 3 and Georgetown Kraft Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.